Bank Hapoalim BM (IL:POLI)
TASE:POLI
Earnings Data
Report Date
May 25, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
177.4Last Year’s EPS
183Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive performance story: strong profitability (ILS 9.8bn), high-quality, broad-based loan growth (13.4%), industry-leading efficiency and capital generation, solid digital traction (Bit) and promising one-off upside from property sales. Key near-term risks include geopolitical uncertainty, CPI-driven income volatility, a Q4 labor provision (ILS 200m) and the cautious build-up of collective credit reserves — but management emphasized conservative provisioning as a strength and set ambitious but achievable 2026–27 targets (net profit ILS 9–10bn, ROE 14–15%, loan growth 8–9%, payout 50–60%). On balance, highlights substantially outweigh lowlights.Company Guidance
Strong Profitability and ROE
Net profit of ILS 9.8 billion for 2025 (ILS 9.4 billion excluding ILS 380 million insurance reimbursement) with EPS of ILS 7.43 and full-year return on equity of 15.9% (15.3% adjusted), comfortably above prior targets.
Robust Credit Growth
Total credit grew 13.4% in 2025 (4.9% in Q4) to >ILS 500 billion, outperforming the prior target of 7% and driving higher financing income.
Financing Income and Margin Expansion
Total financing income increased ~9.6% year-on-year and financial margin improved slightly despite CPI volatility and margin pressure, attributed to higher business activity and securities repositioning into higher-yield, longer-duration assets.
High Asset Quality and Strong Reserves
NPL ratio fell to 0.48%; provision for credit losses totaled ILS 421 million (0.31% of the credit book); allowance-to-loans ratio of 1.72% with >95% of allowance collective and NPL coverage of ~310%, representing the largest credit loss reserves in the sector.
Excellent Efficiency Metrics
Cost-income ratio below 35% (adjusted to mid-to-low 30s), with nearly 8% reduction in other operating expenses in 2025 and improving productivity ratios (income per employee and credit per employee).
Shareholder Returns and Capital Discipline
2025 total shareholder distribution consistent with target (50% of net profit): ILS 4.1 billion cash dividend (4.6% yield) and ILS 4.9 billion total distribution; CET1 at 11.98% with capital generation up 11.2% year-on-year.
Digital & Product Momentum — Bit and GenAI
Bit reached 3.5 million active customers and ILS 30 billion annual P2P volume, with ~2/3 of Bit users banking primarily with other banks (clear cross-sell opportunity). GenAI initiatives (Danit AI bot) handled thousands of customer calls end-to-end during share distribution; bank advancing AI and data use cases.
Future One‑off Upside from Real Estate
Planned relocation to Poalim Center and sale of legacy properties expected to generate pretax gains of ILS 800–900 million starting in 2027, disclosed and included in updated 2026–27 targets.
Fees and Non‑interest Income Growth
Total fees grew 11.3% in 2025, driven by securities-related fees, account management and credit card one-off international revenues, supporting diversified income streams.
IL:POLI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
IL:POLI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 05, 2026 | 8000.00 | 7864.00 | -1.70% |
Nov 19, 2025 | 6788.89 | 6905.48 | +1.72% |
Aug 13, 2025 | 6072.92 | 6191.62 | +1.95% |
May 19, 2025 | 5365.62 | 5407.06 | +0.77% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank Hapoalim BM (IL:POLI) report earnings?
Bank Hapoalim BM (IL:POLI) is schdueled to report earning on May 25, 2026, TBA (Confirmed).
What is Bank Hapoalim BM (IL:POLI) earnings time?
Bank Hapoalim BM (IL:POLI) earnings time is at May 25, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Bank Hapoalim BM stock?
The P/E ratio of Poalim is N/A.
What is IL:POLI EPS forecast?
IL:POLI EPS forecast for the fiscal quarter 2026 (Q1) is 177.4.